The NFC empowers the mobile phone with new roles making it act as a credit / debit card, a travel ticket, an id & access card, a health insurance card etc. These applications require the NFC environment to be dynamic allowing data to be read and updated real time regardless of time and place. Over The Air (OTA) technology provides an effective and secure communication mechanism for handling the dynamic NFC environment life-cycle management functions. When a customer subscribes for an application on verification & acceptance the card is issued by the provider using the OTA platform. The application and the relevant data is securely downloaded wirelessly and saved onto a storage space in the USIM chip. This information is retrieved, updated and rewritten at the time of transactions. OTA technology provides remote management of mobile phones wirelessly, over the air, without physically connecting it to any configuration device. The application provider can issue, disable and reissue the customers’ mobile cards in real-time making it cost effective and easy to implement. OTA is based on client-server architecture. At one end we have the server side on which the service providers’ Mobile card management System (MCMS) resides and at the other end is the USIM chip in the mobile phones of the users. PROCESS: OTA is the wireless communication channel between the two ends and the messages are directed through an OTA gateway which converts the messages into understandable formats. Alerts & notices are sent to users that new application downloads fitting their preferences are available. The user triggers the application by either accepting a download request or carrying out a transaction. This directs the application to accesses the application repository and provides a properly formatted menu of the available content and applications. If the provisioning server supports an authentication module, the user is authenticated before gaining access to the repository. Once any authentication is complete, downloading the application or retrival and updation of record is handled by the Mobile Card Management System (MCMS) which is the server-side software that manages the repository, typically a database, and supports content versioning, ways for third-party developers to drop their applications, and so on. If required, the user is re-authenticated. If the application is retrieved successfully, the record creation or modification is automatic. The MCMS sends a confirmation status to indicate whether the activity succeeded or failed. The OTA platform addresses the privacy and security concerns of these highly sensitive applications by encrypting the messages communicated. There is a dual encryption with both the mobile network operators and the NFC service providers encrypting the data with their respective encryption keys. OTA creates a ceaseless link between the providers and customers bring them closer. It gives the provider the ability to send personalized messages, offer them new schemes and discounts and service their clients’ needs better. Harex holds several patents for OTA read/write applications on to the Secure Element in the USIM chip and had gained expertise in the domain.